I want a mid-range premium credit card. Suggest me

[Ayan37]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.
Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

 

[TaxWiser]

For 6 years, I’ve responsibly used basic credit cards (SBI, IDFC, HDFC, BOB, YES, etc.), maintaining a 770+ credit score, 100% on-time payments, and limits up to ₹1.1L. Yet today, despite my spotless record, but at this time my every new application—basic or premium—is rejected without explanation.

• It might be because your credit portfolio does not align with your income, according to the bank.

Is there something I’m missing? If anyone can guide me or help secure my desired card, I’d be deeply grateful.

• Revaluate your credit portfolio and close unnecessary CCs which doesn't aligns with your spending habits.
• As per my personal experiences, being a member of HDFC Preferred or Imperia Banking Programme make it easier to get Premium HDFC CCs.